Retirement Consultant in Lemay, MO

Retirement Consultant Lemay, MO. Whether you dream of filling your golden years with holidays in Paris, driving through the hills in a classic sports car, smoking cigars on the front porch, or leaving as much behind for your family as possible, you need a committed and experienced retirement consultant to help you realize your goals. No matter where you are in life at the moment, the Lemay, MO retirement planning advisors at Correct Capital will create a personalized roadmap for you to get you from here to where you want to go. Call us today at 314-930-401K or fill out our online contact form.

Your retirement planning needs are based on your personal goals in retirement. When you hire a retirement consultant at Correct Capital, we will start by getting to know you personally in order to recognize how we can help you realize your dreams. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a wide array of research and data, and knowledge of the best strategies to employ in the interest of growing your wealth. We are independently owned and will never try to sell you on something we don’t believe in ourselves. As fiduciary financial advisors, trust is at the core of our relationships with all our Lemay, MO clients, and we want you to have peace of mind that we have your best interest at heart.

How to Choose the Right Retirement Consultant for You

You likely have a lot of questions about how to best start your retirement planning, and chief among them is how to pick a Lemay, MO retirement consultant you can trust. There are many of important facets to evaluate when hiring a retirement consultant.


What Qualifications Does a Retirement Consultant Have?

Anyone can use made up titles like “retirement specialists,” and certain certifications are received through short study and easy exams, or pertain more to advertising than financial planning. Correct Capital is an experienced and honest team that includes experienced retirement counselors and two Certified Financial Planners (CFP®), a certification that could only be achieved through years of experience, extra education requirements, dedicated study, and passing comprehensive exams. You can be confident that your Correct Capital retirement consultant has the experience and knowledge to effectively advise you in your retirement planning.


Is the Retirement Consultant a Fiduciary?

Investment professionals are required to follow one of two sets of standards:

  1. Suitability Standard: This standard is regulated by the Financial Industry Regulatory Authority (FINRA), and vaguely asserts that an investment professional must choose planning and investment options that are “suitable” for their clients, but not necessarily the client’s best interest. That means a broker that is bound by the suitability standard carries no legal duty to follow your best interests instead of their own, and they also serve the broker-dealers who employ them. This might mean they make decisions with your money based on the commission they could get, or are selling products that aren’t necessarily in your best interest.
  2. Fiduciary Standard: This standard is regulated by the Securities and Exchange Commission, and any retirement consultant at Correct Capital is legally bound to it. We are obligated to have your best interest at heart, manage your account with the skill and discernment of a professional, endeavor to avoid conflicts of interest, disclose unpreventable conflicts, and manage them in the way that’s best for your and your money.

At Correct Capital, we build personal relationships with our Lemay, MO clients that are built on trust. We get to know you and your financial planning and retirement planning needs, and each recommendation we give you or decision we make with regard to your wealth is made with the best interest of you and your family in mind.

Who Does the Retirement Consultant Work For?

A lot of Lemay, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and thusly may not have a wide array of investing options they can offer you, or may sell you products or mutual funds that are not genuinely in your best interest. Your Correct Capital retirement consultant works for you and will act as your advocate. We give you our I.O.U. promise: we are independent, objective, and offer unbiased advice. We are not affiliated with any single financial institution, and therefore will analyze a plethora of investment options to find the ones that work best for your individual needs. Our advice is based on knowledge, experience, in-depth data and analytics, and how we can best serve our Lemay, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially shrewd Lemay, MO residents can find it complicated to weigh all of their options regarding their retirement planning. A trustworthy and savvy retirement consultant can help you best judge how to manage your savings and retirement funds. Among the aspects of retirement planning Correct Capital can help with are:

  • Tax Implications. How much you pay in taxes and when you pay them depends on which type of account, 401(k), or IRA you saved your money in.
  • What Age to Retire. The Social Security Agency defines your “full” or “normal” retirement age (FRA) based on the year you were born. The social security benefits you receive will vary if you retire before or after your FRA. As our retirement consultants at Correct Capital get to know you, they will draw up a retirement plan for you that includes the ideal age for you to retire.
  • When to Withdraw Money, and How Much to Withdraw. Depending on where your money is being saved and invested, the optimal timing and size of your withdrawals will differ. Different types of accounts have different rules, for example minimum withdrawals after a certain age.
  • Determine a Retirement Budget. The way you want to live your life, together with how much you were able to save and your age, will determine your retirement budget. A knowledgeable Lemay, MO retirement consultant can help you increase the amount of money you have for your budget.
  • Your Current Risk Tolerance. You may have a higher tolerance for, or aversion to risk, based on how close you are to your retirement age.

At Correct Capital, our Lemay, MO retirement planning consultants examine the complete picture of your finances so each element of your retirement planning is well thought out and optimized.

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Contact a Lemay, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Lemay, MO Correct Capital retirement consultant will help you feel assured and at ease about you and your family’s future. Our retirement plan professionals have over three decades of experience helping Lemay, MO residents and families live the life they dreamed of in their golden years. As fiduciary financial advisors, we are legally and ethically obligated to always act in your best interest. To find out more about how we can help you meet your financial goals, call us at 314-930-401K or contact us online.


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